As of 18 September 2026, the BOQ Economy Variable Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.23% (6.08% advertised), ranking 27th of 107 variable owner-occupier P&I loans and sitting 0.53 points below the market average of 6.76%. The product comes in 13 variants; the others are investor, interest-only and other LVR bands.
6.08% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
12 other variants: investor, interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Economy Variable Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤90% LVR
- 7.71% comparison · 7.57% advertised
- Variable · P&I · Owner-occupier · ≤70% LVR
- 6.18% comparison · 6.03% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.23% comparison · 6.08% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.34% comparison · 6.19% advertised
- Variable · Interest Only · Owner-occupier · ≤90% LVR
- 7.92% comparison · 8.05% advertised
- Variable · P&I · Investor · ≤90% LVR
- 8.06% comparison · 7.92% advertised
- Variable · P&I · Investor · ≤70% LVR
- 6.28% comparison · 6.13% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.34% comparison · 6.19% advertised
- Variable · P&I · Investor · 80–90% LVR
- 6.58% comparison · 6.44% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 6.38% comparison · 6.39% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 8.21% comparison · 8.27% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.41% comparison · 6.39% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 6.64% comparison · 6.59% advertised
Fees
Headline variant- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
About this product
A simple home loan doesn't mean you have to compromise on its features. With our Economy Home Loan, you'll enjoy an ongoing low variable interest rate with free redraw and flexible repayment options.